If an American traveler falls ill while visiting Canada, they can freely access medical clinics, urgent care centers, and hospital emergency rooms, but they are fully responsible for the cost of their medical care. Because public provincial health insurance does not cover non-residents, hospitals will bill the patient directly for physician services, diagnostic testing, and overnight room stays. If the individual has an active private travel medical insurance policy, they should contact their provider immediately to coordinate direct billing or file a formal claim for reimbursement.
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